Federal credit union · Sayreville, New Jersey · NCUA charter #4726
Raritan Bay
Health score 57/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $104.8M
- Total assets
- 7,545
- Members
- 4.7%
- Net-worth ratio
Raritan Bay - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #4726, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Raritan Bay - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)39
- Asset quality (delinquency)91
- Earnings (ROA)86
- Member growth0
- Liquidity (loan-to-share)62
Weighted composite: 57/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 4.73% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 4.73% | 30% |
| Delinquency Rate | 0.72% | 25% |
| Return on Assets | 0.36% | 15% |
| Member Growth | -16.10% | 15% |
| Loan-to-Share Ratio | 37.38% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $104.8M | 7,545 |
| 2024Q4 | $101.7M | 8,993 |
| 2023Q4 | $106.2M | 8,552 |
Credit Union Details
- Charter Number
- 4726
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Sayreville
- Data Quarter
- 2025Q4
What This Data Says About Raritan Bay
7,545 members and $104.8M in total assets sit behind Raritan Bay, a federal credit union in Sayreville, New Jersey, which posts a health score of 57/100 (Fair) on the five-factor composite, with $35.9M in outstanding loans as of Q4 2025 and a net worth ratio of 4.73% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #4726 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 0.72% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 37.38% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.36% on net income of $380K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -16.10%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Raritan Bay financially healthy?
Raritan Bay scores 57/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 4.73% net worth ratio and a 0.72% delinquency rate.
How does Raritan Bay compare to other credit unions?
Five weighted metrics from NCUA filings produce Raritan Bay's 57/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Raritan Bay?
Raritan Bay operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Raritan Bay directly for the exact boundaries and application steps.
Is my money safe at Raritan Bay?
Federal credit unions like Raritan Bay are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Raritan Bay's net worth ratio of 4.73% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Raritan Bay offer compared to banks?
Credit unions like Raritan Bay are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Raritan Bay directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.